The Pengaruh literasi keuangan, inklusi keuangan dan teknologi keuangan terhadap kinerja keuangan Umkm di kabupaten Sumbawa: Literasi keuangan, inklusi keuangan, teknologi keuangan terhadap kinerja keuangan

Literasi keuangan, inklusi keuangan, teknologi keuangan terhadap kinerja keuangan

Abstract

The purpose of this study is to analyze the effect of financial literacy, financial
inclusion and financial technology on the financial performance of MSEs in Sumbawa
Regency. The population of this study are MSME owners in Alas, Alas Barat, Moyo
Hulu, Labuan Sumbawa, and Sumbawa Districts. This type of data uses secondary data
in the form of questionnaires. The calculation of the number of samples uses Paul
Leedy's formula so that the calculation results are 100 respondents. Sampling
techniques with purposive sampling and sample collection using questionnaires that
are distributed directly to respondents. The results showed that Financial Literacy has
a positive and significant effect on MSME Financial Performance, Financial Inclusion
has a positive and significant effect on MSME Financial Performance. However,
Financial Technology is rejected or does not have a positive and significant effect on
MSME Financial Performance. Financial literacy, Financial Inclusion and Financial
Technology simultaneously have a positive and significant effect on the Financial
Performance of MSMEs.